Why Banks in Emerging Markets Are Increasingly Providing Non-financial Services to Small and Medium Enterprises

International Finance Corporation

Washington, DC

关键词: ACCESS TO FINANCE;    ACCESS TO FINANCIAL SERVICES;    ACCESS TO INFORMATION;    ACCOUNTING;    AFFILIATES;   

RP-ID  :  71316

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

Banks in emerging markets areincreasingly providing non-financial services to their SMEclients, typically consisting of information sharing,training and consultancy. This study, published by IFC inpartnership with the Austrian Government, is the first toexplore reasons behind this trend, finding that banks'key motivations include attracting and retaining customers,and strengthening portfolio quality. The report consists ofan overview followed by case studies of three banks, namelyTürk Ekonomi Bankasý (TEB), Standard Chartered Bank (SCB),and ICICI Bank. It is estimated that there are 365 to 445million formal and informal micro, small, and mediumenterprises, with a subset of 25 to 35 million formal SMEs,in the developing world. Of these, 70 percent do not useexternal financing from financial institutions, althoughthey are in need of it. Approximately 85 percent suffer fromcredit constraints.